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Employee Benefit News for School, City and County Employers

Ken Zastrow

Ken Zastrow enjoys establishing a strong rapport with his clients. He believes that education is key in helping them understand their benefit plans. Ken has a strong background in both active and post-employment benefit strategies. As Employee Benefits Consultant at National Insurance Services, Ken is responsible for the overall assessment and management of all an employer’s benefit plans including claim reconciliation, policy changes, renewals, and medical and dental analytics. He is also well versed in compliance, benefit integration, and early retiree benefits. Ken is a licensed health and life insurance agent, working with schools, cities, and counties in the Midwest Region.

Recent Articles by Ken Zastrow

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Retiree Health Insurance Interview Series, Part 3: The Long-Term Transition to HRAs for School Districts and Early Retirees

Keeping early retirees on the school district’s group health plans can be expensive for the retiree, the district and consequently, current employees (overall premiums increase with retirees as...

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The Long-Term Transition to HRAs for Schools and Early Retirees

Keeping early retirees on the school district’s group health plans can be expensive for the retiree, the district and consequently, current employees (overall premiums increase with retirees as...

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ACA Impact on HRAs for Rehired Employees

The ever-changing nature of Health Care reform has left many employers with more questions than answers. One of the most significant questions facing our clients today is how their rehired retirees...

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Helpful ACA Chart on HRAs, FSAs, Cafeteria Plans, and EAPs

Groom Law Group released a memo on October 18, 2013 summarizing the September Treasury Notice regarding Health Reimbursement Arrangements (HRAs), cafeteria plans, Flexible Spending Accounts (FSAs)...

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What to do about re-hired retirees

As January 1, 2014 quickly approaches, there are many aspects of healthcare reform to consider. One of the major concerns facing employers today, especially governmental employers, is the issue of...

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ACA Updates Nondiscrimination Rules for Wellness Programs

School districts and other governmental organizations that implement wellness programs for teachers and other employees know they are an excellent way to decrease Health Insurance costs. When...

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Back to School! Educating Employees about the Affordable Care Act (ACA)

Sample Health Care Reform Employee Communication for School Districts

Although many of the ACA provisions don’t go into effect until January 1, 2014, many school districts may discuss their new...

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Healthcare Reform: Look Back and Look Forward

Like a river meandering through the countryside, healthcare reform has been full of twists and turns. This article takes a look at what has been implemented so far as well as future mandates and...

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Restructuring Retiree Benefits

Article 2 in the ACA Cost Mitigation series

Faced with limited resources, school districts and other local governmental employers must look for new opportunities to save on health benefits due to...

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Hour Management Considerations

Article 1 in the ACA Cost Mitigation series

In a recent survey by Zywave, 59.4% of employers surveyed said they are concerned about offering affordable health care coverage to all full-time...